How much is insurance on a Toyota Tundra?

Priced for the 2024 Tundra 2WD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Tundra's rank is the same in every state.

Why the Toyota Tundra costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. HLDI lists this model as 3 versions (Toyota Tundra CrewMax, Toyota Tundra CrewMax pickup LWB and Toyota Tundra double cab). Taking the middle of them, on HLDI's scale where 100 is an average car and lower is better, it reports 94 for crash repairs, 99 for non-crash damage, 104 for damage to others' property, and 96 for injury claims.

• Crash repairs (collision)fixing this car after a crashAverage6% better than average3rd best of the 5 large pickups we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage1% better than average4th best of the 5 large pickups we compare
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage4% worse than averagebest of the 5 large pickups we compare
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 4% less often than averagebest of the 5 large pickups we compare

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Tundra comes out about 5% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 2% less than average: about $930 a year vs $950. On the liability side, damage to others and injury claims combine to about 1% better than average. So that part is about the same as average: $990 a year vs $990.

How the math works

In EPA size classes, the Tundra is a full-size pickup (gas-powered). In Highway Loss Data Institute loss tables, the Toyota Tundra is benchmarked against large pickups.

• That name is sold in more than one version. We priced the gas one.

Matched to HLDI series “Toyota Tundra CrewMax; Toyota Tundra CrewMax pickup LWB; Toyota Tundra double cab” (HLDI, 2022–24 models).

A used Toyota Tundra, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Tundra 2WD (0–3 years old)	about $1,920	about $990	+$1,270	about $5,510
2022 Tundra 2WD (4–7 years old)	about $1,810	about $990	+$1,190	about $5,190
2018 Tundra 2WD (8–12 years old)	about $1,650	about $980	+$1,090	about $4,730
2013 Tundra 2WD (13 or more years old)	about $1,610	about $1,030	+$1,060	about $4,610

Our catalog covers the Toyota Tundra across model years 2006–2026. Full coverage on a used 2013 Tundra (13 or more years old) runs about $1,610 a year, $320 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $1,030 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Toyota Tundra trims, full coverage goes from about $1,850 a year on the Tundra 4WD to about $1,940 on the Tundra 4WD PRO, because HLDI's loss results differ by body, drive, or powertrain.

• Tundra 4WD: about $1,850
• Tundra 2WD: about $1,920
• Tundra 4WD PRO: about $1,940

On a policy of their own with a 2024 Toyota Tundra, a 22–25-year-old pays about $2,500 a year ($580 more than a 45-year-old), a 26–39-year-old about $2,130, and a driver 65 and older about $2,020.

Adding a 16-year-old with a Toyota Tundra

Adding a new 16-year-old who drives the Toyota Tundra raises the family bill by about $1,270 a year ($105 a month), about the same as adding a teen with an average car of the same age. A separate policy for the 16-year-old runs about $5,510 a year, so keeping them on the family policy saves about $4,250 a year.

For adding a teen driver, the Toyota Tundra ranks 57th most expensive out of all 121 models we track. Stepping down to a used 2013 Tundra (13 or more years old) brings the teen add-on to about $1,060 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar large pickups

Among these 5 large pickups, the Toyota Tundra is the least expensive to insure. Next up is the Ford F-150, at about $1,990 a year.

• 2024 Toyota Tundraabout $1,920 (this car)
• 2024 Ford F-150about $1,990 ($70 more)
• 2024 GMC Sierraabout $2,010 ($90 more)
• 2024 Chevrolet Silveradoabout $2,130 ($210 more)
• 2024 Ram 1500about $2,180 ($260 more)

Photos from Wikimedia Commons contributors. Photo credits.

What a Toyota Tundra costs in your state

In six sample states, a 2024 Toyota Tundra runs from about $1,340 a year in Wisconsin through New Hampshire, Tennessee, Pennsylvania and Arizona to about $2,530 in New York:

• Wisconsinabout $1,340/yr · +$880 teen
• New Hampshireabout $1,380/yr · +$910 teen
• Tennesseeabout $1,620/yr · +$1,070 teen
• Pennsylvaniaabout $1,700/yr · +$1,120 teen
• Arizonaabout $2,010/yr · +$1,330 teen
• New Yorkabout $2,530/yr · +$1,670 teen

All 50 states and DC · Updated November 5, 2026.

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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